401(k) Match Calculator
Your employer match is a 100% guaranteed return on your contribution, the best deal in personal finance. Most people leave thousands on the table every year without realizing it.
Are you leaving free money on the table?
Your employer match is a 100% return. Skipping it is the most expensive mistake in personal finance.
Free money you're leaving behind, every year
$1,600
Contribute at least 8% and you grab the full match, $3,200/yr (4% of your pay) in employer money you're currently turning down.
How this works
The calculator models a match rate (employer dollars per dollar you contribute) and a separate cap (matched only up to X% of your pay). Most calculators incorrectly collapse these into one number.
Example: a 50% match up to 8% of pay means your employer contributes $0.50 for every $1 you put in, but only on your first 8% of salary. To capture the full match you must contribute at least 8%. Contributing less leaves real money behind.
// Illustrative only. Not financial advice. Consult a qualified advisor for your situation.